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Revolut vs. N26

Both fintech companies are fully digital with app-based budgeting.

Both of these European fintech companies are relatively new to the US, but N26 is temporarily closed to new applicants while it seeks a new partner bank. Which one you should choose depends on how you spend and manage your money.

Revolut vs. N26: Side-by-side comparison

Revolut offers a free plan as well as two different premium plans. At the time of writing N26 offers one plan. The following chart compares the N26 plan against the free standard Revolut plan.

RevolutN26
Monthly fees and charges$0 Standard plan, $9.99 Premium plan, $16.99 Metal plan$0
Domestic ATM chargesFree withdrawals up to $1,200/month. Then 2% of the withdrawal amount2 free withdrawals per month, then $2 per withdrawal
Foreign ATM chargesFree withdrawals up to $1,000/month for Standard plan, unlimited transactions for Premium Plan and Metal plan. Then 2% of the withdrawal amount2% of the withdrawal amount
Send money to friendsFree to anyone with a Revolut planFree to anyone with an N26 plan
Transfer money internationallyFor Standard plans, exchange up to $1,000 in 28 fiat currencies for free — but only on weekdays. For the Premium and Metal plans, exchange in 28 fiat currencies — no monthly limitN/A
Spending insightsShows spending by category, merchant, country, and monthOffers insights into where you spend your money, along with monthly reports help understand your spending habits
Freeze your cardYes: Touch of a button in appYes: Touch of a button in app
Interest0.07% annual percentage yield (APY) for Premium or Metal users with Savings vault and 0.05% APY for Standard usersNone
Savings goalsSet budgets in the app and open savings vaults that let you store your moneySpaces feature lets you open subaccounts to stash your money away
VisualizationSpending graphs show which days you’ve spent most/least moneyMonthly spending statistics shown in pie chart
Foreign exchange fees0.5% for spending more than a certain unspecified amount each month, plus a flat markup on weekends and for some currenciesNone

Revolut vs. N26: The verdict

Using the app

In terms of the actual app, there’s not much separating these two. Both Revolut and N26 offer stylish graphics and spending insights, categorizing your transactions and showing you how much you’ve spent in a category or at a particular shop. Budgeting with both apps is easy and structured. Both also offer the ability set aside funds for savings. N26 has Spaces and Revolut has Vaults.

Security

Since launching in the US, N26 has provided FDIC insurance through its partner bank, Axos Bank. However, that partnership is ending. N26 is currently closed to new applicants as it transitions to a new partnership with a different, currently unnamed FDIC-insured institution. We spoke with an N26 representative who confirmed that existing accounts will remain FDIC insured during the transition.

Revolut partners with FDIC-insured bank Metropolitan Commercial Bank to protect funds on its prepaid debit cards.

Video: Alex Weber, head of international markets, on why N26 is different

Compare with other financial apps and digital banks

1 - 14 of 14
Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee Offer
NorthOne Business Banking
Finder Rating: 3.4 / 5: ★★★★★
Bonus
NorthOne Business Banking
N/A
$50
withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs
$0
Waive your $10 monthly fee for the first month when you sign up and open an account. After your first month, you'll pay a monthly fee of $10. Offer valid until April 26, 2023.
Chime Checking account
Finder Rating: 4.7 / 5: ★★★★★
Chime Checking account
N/A
$0
60,000+ fee-free ATMs
$2.50
Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
3.00% on balances of $0 to $10,000
$10
55,000+ free Allpoint ATMs worldwide
$0
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards.
Lili
Finder Rating: 4.6 / 5: ★★★★★
Lili
1.00%
$0
32,000 fee-free ATMs nationwide
$2.50
Small business owners and freelancers get paid up to two days early and can automatically set aside money for taxes with the Lili digital banking account.
Citi Priority Checking
Finder Rating: 3.4 / 5: ★★★★★
Bonus
Citi Priority Checking
N/A
$30,000
70,000+ fee-free ATMs in the U.S.
$2.50
Earn up to $2,000 when you open an eligible account and complete required activities.
Secure online banking and access to cash with one of the largest networks of fee-free ATMs in the US.
Varo
Finder Rating: 4.7 / 5: ★★★★★
Varo
N/A
$0
55,000 AllPoint ATMs around the world for free
$2.50
Earn $30 bonuses every time a friend signs up for an account and deposits at least $20 in one transaction
No monthly fees. No foreign transaction fees. No fees at 55,000+ Allpoint ATMs.
Upgrade Rewards Checking
Finder Rating: 4.3 / 5: ★★★★★
Upgrade Rewards Checking
N/A
$0
Upgrade will rebate ATM fees charged by another institution up to five times a month when you meet certain conditions.
$0
Earn up to 2% cash back on common everyday expenses, with a limit of up to $500 a year, plus 1% on other purchases
Juno
Finder Rating: 4.8 / 5: ★★★★★
Bonus
Juno
1.20% on balances of $0 to $5,000
0.25% on balances of $5,000.01+
$0
More than 85,000 ATMs nationwide
$0
Metal checking is free for the first 6 months
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.
First Citizens Bank Free Checking
N/A
$50
1,100+ First Citizens Bank ATMs
$2.50
First Citizens Bank Free Checking stands out for its built-in finance tracking tool, Manage My Money. Available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV, and WI.
Yotta
Finder Rating: 4.8 / 5: ★★★★★
Bonus
Yotta
N/A
$0
over 55,000 free ATMs across the US
$0
When a friend signs up using your invite code, they get 100 tickets into next week's contest. Once they make their first deposit, you also get either 100 free tickets or potentially more if you have reached Silver, Gold, or Platinum status.
Increase your chances of winning up to $10 million in cash prizes every time you spend $10 with your Yotta debit card and for every $25 in your checking account.
Digit
Finder Rating: 3.4 / 5: ★★★★★
Digit
0.10% on balances of $0+
$0
Varies based on connected bank accounts
Digit savings is a microsavings app that helps you avoid overdrafts and passively set aside cash for short-term goals.
Cheese Rewards Checking
Finder Rating: 4 / 5: ★★★★★
Cheese Rewards Checking
3.00%
$0
over 33,000 MoneyPass ATMs
$0
The Cheese Rewards Checking account is a digital bank account and social cause platform designed for Asian-Americans and immigrants in the US.
Revolut
Finder Rating: 4.5 / 5: ★★★★★
Bonus
Revolut
0.07% on balances of +
0.05% on balances of to
$0
55,000+ surcharge-free in-network ATMs nationwide
$0
Just make one qualifying transaction of $1.00 or more with your Revolut card during the promotion period. The bonus will then be credited automatically.
Revolut is a global fintech that offers FDIC-insured deposit accounts, 10 free international transfers a month and, on its Premium plan, commission-free crypto trades up to $200,000 per month. Crypto deposits aren't FDIC insured.
Quontic Pay Ring
Quontic Pay Ring
N/A
$0
No access to ATMs
Quontic debit card evolved to a ring, contactless purchases with a simple tap of your hand.
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Compare up to 4 providers

Bottom line

Both N26 and Revolut offer consumers a fully in-app way to control their finances. The products are very similar, but one might be better or you based on your unique needs and preferences.

If you’re considering switching banks, compare other checking accounts to N26 and Revolut before making a decision.

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2 Responses

  1. Default Gravatar
    MischaOctober 11, 2019

    ATM withdrawals abroad. Revolut lets you withdraw $300 a month at foreign ATMs, but charges a 2% fee after that. N26 charges $2 plus 2% of the withdrawal amount.

    That’s not true ! N26 charges 1,7% of the withdrawal amount, without extra 2 $ !!!

    • Avatarfinder Customer Care
      RyanOctober 11, 2019Staff

      Mischa,
      Thanks for reaching out to us. The 1.7% is the percentage amount for N26’s EU account holders. US account holders have a 2% charge. We also doubled checked N26’s extra $2 fee. Its website still mentions the $2 fee, but an N26 customer service rep confirmed that there’s actually no $2 extra, just 2%. Hopefully N26 will update its website soon. We’ve updated our reviews. Thanks for pointing that out.

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